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Most people retire with a great portfolio and zero distribution strategy. Here’s what actually matters after you stop working: 💰 ROTH CONVERSIONS — The window between retirement and age 73 is your best chance to move IRA money into tax-free Roth accounts at low rates. We show you how to fill the 12% and 22% brackets intentionally, avoid IRMAA Medicare surcharges, and build a 10-year conversion roadmap that could save you six figures. 🏥 HEALTHCARE BEFORE 65 — Medicare doesn’t start until 65. We
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